books http://www.wisebread.com/taxonomy/term/152/all en-US The Only Money Advice You'll Actually Listen To http://www.wisebread.com/the-only-money-advice-youll-actually-listen-to <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-only-money-advice-youll-actually-listen-to" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-538595650.jpg" alt="Woman hearing the only money advice she&#039;ll listen to" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financial advice is not a one-size-fits all thing. Certain money tips &mdash; even those you read on this site &mdash; just won't apply to you. Don't get disheartened if this is the case. The trick is finding advice that you can directly implement in your own unique life circumstances. That's the advice you'll listen to, use, and benefit from the most.</p> <p>How do you go about finding this best advice?</p> <h2>Advice that suits your lifestyle</h2> <p>Whatever financial advice you take has to align with your priorities, interests, and how you want to live. Otherwise, it probably won't work.</p> <p>If you're a die-hard foodie, for example, trying to follow money advice that says you should cut out all food indulgences probably feels like torture. Or, how often do you hear money pros advise you to eliminate your morning latte? If you're a coffee lover, that often-touted tip is probably a total turnoff.</p> <p>That's not an excuse to completely disregard anything you don't want to hear &mdash; you may be able to sacrifice more of those splurges than you realize at first. But you'll need to tailor the advice to fit in at least some of those things most important to you, or you won't follow it at all.</p> <p>The same thing applies to your general lifestyle, too. For instance, there are a number of financial gurus out there who advocate a cash budget system. My husband and I have read all of this. We understand why cash works, how you're likely to spend less if you have to hand over paper, and how the system has saved people's financial lives.</p> <p>But the advice just doesn't work for us. We don't have easy access to a fee-free ATM or a bank branch. We don't like carrying cash or having it around the house. We choose our credit cards consciously, based on benefits.</p> <p>So, we don't take that advice. We know it won't work for us, so we don't waste our time trying to force it. On the other hand, we always use our credit cards responsibly and pay them off each month, because that does work for the life we live. (See also: <a href="http://www.wisebread.com/5-simple-ways-to-never-make-a-late-credit-card-payment?ref=seealso" target="_blank">5 Simple Ways to Never Make a Late Credit Card Payment</a>)</p> <h2>Advice from a person you can respect</h2> <p>It doesn't matter how sound the advice is. If you can't respect the person giving it, you won't follow it.</p> <p>When you're looking for someone to listen to about money, don't just look at what they say &mdash; look at who they are. At the very least, make sure the person seems to have integrity, that they practice what they preach, and that they are well respected within their community.</p> <p>Your best friend may be a great person, but if she's always in debt, she's probably not the best person to give you savings suggestions. Relatives may have their own agendas and biases that make their advice unsound for you.</p> <p>Although professionals aren't infallible, they are disinterested parties that can usually give you objective advice. If it's a professional whose advice you read or hear about in the media, make sure they've got adequate credentials &mdash; either they've had personal experience in the subject they're talking about, or better yet, they have certifications that show they've studied the subject intensively.</p> <p>If it's a professional you pay, those certifications are even more important. And be sure to understand how they're being compensated (are they fee-only, or commission-based?) so you know whether they are being financially swayed by anything other than your best interest. (See also: <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser?ref=seealso" target="_blank">Who to Hire: Financial Planner or Financial Adviser?</a>)</p> <h2>Advice in the right media format</h2> <p>Financial advice is available in almost every medium, so choose the one that's easiest for you to digest. After all, you have to understand and implement the advice in order for it to be valuable.</p> <p>Some people like their financial advice in bite-sized snippets. If this is you, read a blog or website that features easy-to-read articles about money. If you prefer reading longer arguments and counterarguments, find a personal finance book.</p> <p>Maybe you don't like to read at all, but would instead rather watch or listen. No problem: Check out a podcast or browse YouTube. Trust me, what you need is out there, you just have to search for it. (See also: <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read?ref=seealso" target="_blank">The 8 Classic Personal Finance Books You Must Read</a>)</p> <h2>Advice that's memorable</h2> <p>Financial advice doesn't just need to be a good fit for you &mdash; it also has to be something you can easily remember and use on the fly. If it doesn't stick in your brain, it's not going to help you with your finances. You'll forget you ever read or heard it, and go right back to your old money ways.</p> <p>What makes advice memorable depends on &mdash; you guessed it &mdash; you. Do you like humor? Find some advice that's doled out with wit. Prefer deep thought? Find a financial philosopher. Like facts and figures? There are analysts and advisers who will run those numbers for you.</p> <p>Trust me: There is solid financial advice out there for you that fits your preferences and lifestyle. You just have to find it.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/the-only-money-advice-youll-actually-listen-to">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-improve-your-finances-using-social-media">How to Improve Your Finances Using Social Media</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-of-the-coolest-sayings-about-saving">10 of the Coolest Sayings About Saving</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle advice advisers blogs books effectiveness saving money tips Tue, 02 May 2017 09:00:09 +0000 Sarah Winfrey 1938307 at http://www.wisebread.com 10 Beloved Books of Successful Millionaires http://www.wisebread.com/10-beloved-books-of-successful-millionaires <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-beloved-books-of-successful-millionaires" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-629579800.jpg" alt="the favorite books of successful millionaires" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>If you are what you read, then the books that the super-rich have on their bookshelves should be of interest to all of us. From entrepreneurs and media tycoons, to international superstars and the President himself, here are 10 books that should be required reading for anyone looking to improve their lives.</p> <h2>1. Mark Cuban &mdash; <em>The Fountainhead</em> by Ayn Rand</h2> <p>A billionaire entrepreneur and a star of the hit series <em>Shark Tank</em>, Mark Cuban loves this book so much, he named his yacht after it. The author, Ayn Rand, is a polarizing figure in politics, and her books and life views are often adopted by both right-wing and libertarian politicians. Her basic philosophy revolves around the power of the individual, with the pursuit of happiness being the moral purpose of life.</p> <p><a href="http://amzn.to/2opib5I" target="_blank">The Fountainhead</a>, first published in 1943, offered the world Rand's philosophy of Objectivism. The story, which centers on a young architect who battles against conventional standards, has become a classic of modern literature. Speaking of the book to C-Span, Cuban said, &quot;You know it's funny because I'll pick it up when I need motivation, but then if I read too far, I get too much motivation and I get too jittery so I have to put it down.&quot;</p> <p>If a book can continue to give a multibillionaire goose bumps, it has to be worth a read.</p> <h2>2. Jeff Bezos &mdash; <em>The Remains of the Day</em> by Kazuo Ishiguro</h2> <p>Amazon founder and CEO Jeff Bezos has a net worth of over $73 billion. So, it's perhaps a little surprising that his favorite book, Kazuo Ishiguro's <a href="http://amzn.to/2owrbGH" target="_blank">The Remains of the Day</a>, revolves around the life of a servant. In this case, that servant is an English butler called Stevens, who narrates the novel.</p> <p>Set in postwar England, the elderly butler must come to terms with some pivotal issues from his past, whilst maintaining his stoic and &quot;correct&quot; behavior. In 1993, the book was turned into a beautiful film featuring Sir Anthony Hopkins and Emma Thompson.</p> <p>Speaking about the book, Bezos said, &quot;You can't help but come away and think, I just spent 10 hours living an alternate life and I learned something about life and about regret.&quot; Awarded the Man Booker Prize for Fiction in 1989, <em>The Remains of the Day</em> was included in The Guardian's &quot;Books You Can't Live Without&quot; list.</p> <h2>3. Mark Zuckerberg &mdash; <em>The Aeneid</em> by Virgil</h2> <p>Written between 28 and 19 BC, <a href="http://amzn.to/2p2EJKL" target="_blank">The Aeneid</a> recounts the legendary story of Aeneas, a Trojan who traveled to Italy and became an ancestor of the Romans. From his journey from Troy, to the Trojan War, the funeral games, and a vision of the underworld, <em>The Aeneid</em> is widely regarded as a classic of Italian literature. What's more, the entire book is actually a poem, consisting of 9,896 lines in dactylic hexameter.</p> <p>So how did Mark Zuckerberg, a young tech-savvy entrepreneur who created the social media climate we now live in, come to read the book? He was introduced to it while studying Latin in high school, and says the book &quot;knows no boundaries in time and greatness.&quot; He is also known to quote lines from <em>The Aeneid</em> in Facebook meetings.</p> <h2>4. Oprah Winfrey &mdash; <em>To Kill a Mockingbird</em> by Harper Lee</h2> <p>If you ever needed an excuse to read this masterpiece of American literature, knowing it's Oprah Winfrey's favorite book is a doozy. Set in Alabama during the Depression, &quot;<a href="http://amzn.to/2opm2Q2" target="_blank">To Kill a Mockingbird</a>&quot; covers three years in the life of Scout Finch, an eight-year-old girl, her brother Jem, and their father Atticus, a defense lawyer. Atticus is called upon to defend Tom Robinson, a young black man accused of raping a white woman.</p> <p>Told through Scout's eyes, it's a compassionate and moving story of kindness, cruelty, and the roots of human behavior. &quot;I remember reading this book and then going to class and not being able to shut up about it,&quot; Oprah told The Baltimore Sun. &quot;I read it in eighth or ninth grade, and I was trying to push the book off on other kids. So it makes sense to me that now I have a book club, because I have been doing that since probably this book.&quot;</p> <h2>5. Elon Musk &mdash; <em>The Foundation Trilogy</em> by Isaac Asimov</h2> <p>The founder and CEO of Space Exploration Technologies Corp is bringing the ideas of the future into the present day, with award-winning electric cars and whole-home solar power. To discover that his favorite book series comes from noted science fiction author Isaac Asimov hardly raises an eyebrow.</p> <p>The <a href="http://amzn.to/2oVr2gR" target="_blank">The Foundation Trilogy</a> series revolves around mathematician Hari Seldon, who has spent his whole life developing a branch of mathematics known as psychohistory. Using the laws of mass action, the science is able to predict the future on a grand scale. Unfortunately, it predicts the fall of the Galactic Empire, and a dark age lasting 30,000 years before the second great empire arises.</p> <p>Musk says, &quot;The lessons of history would suggest that civilizations move in cycles &hellip; there could be some series of events that cause technology levels to decline.&quot; The book series has had a profound effect on the way Musk thinks about the world.</p> <h2>6. Bill Gates &mdash; <em>The Catcher in the Rye</em> by J.D. Salinger</h2> <p>Set in the 1950s, <a href="http://amzn.to/2nBPJPf" target="_blank">The Catcher in the Rye</a> is narrated by a 16-year-old boy named Holden Caulfield, who is undergoing treatment in a mental institution. He recounts the tale of two days in his life when all this &quot;madman stuff&quot; happened to him. But there is a deeper meaning here, as we see him battle with issues around growing up, and avoiding the pressures of adulthood.</p> <p>&quot;It's my favorite book,&quot; said Gates. &quot;It acknowledges that young people are a little confused, but can be smart, and see things that adults don't.&quot;</p> <h2>7. Michael Bloomberg &mdash; <em>The Honourable Schoolboy</em> by John Le Carré</h2> <p>John Le Carré is a highly-regarded author of espionage novels, and has written such classics as <em>The Spy Who Came in From the Cold</em>, <em>Tinker Tailor Soldier Spy</em>, and <em>The Constant Gardener</em>. However, it his one of his lesser known works that captured the imagination of Bloomberg.</p> <p><a href="http://amzn.to/2ownm4c" target="_blank">The Honourable Schoolboy</a> tells the story of George Smiley, who must reconstruct an intelligence service and run a successful offensive espionage operation. It is the second novel in an omnibus featuring Smiley, and in 1983 it was adapted for a BBC Radio production featuring Martin Jarvis.</p> <p>&quot;It's 600 pages, it's mostly description, there is almost nothing that happens. But it's fascinating,&quot; said Bloomberg. Reading 600 pages of fascinating nothingness? Sounds like fun.</p> <h2>8. Richard Branson &mdash; <em>Stalingrad: The Fateful Siege 1942&ndash;1943</em> by Antony Beevor<strong> </strong></h2> <p>Founder of the highly successful Virgin brand, Richard Branson includes <em>Peter Pan</em>, <em>Wild Swans</em>, and <em>Swallows and Amazons</em> in his list of favorite books. As such, a book about World War II's most harrowing battle seems a little out of place in that company.</p> <p>The year is August 1942, and Hitler's huge Sixth Army reached the city that bore Stalin's name. Over the five months that followed, the battle for the ruins of the city cost more than a million lives. More than just a pure account of the battle, <a href="http://amzn.to/2owN60f" target="_blank">Stalingrad: The Fateful Siege 1942&ndash;1943</a> recounts the personal experiences of soldiers on both sides, and includes tales of interrogation, desertion, and execution.</p> <h2>9. Beyoncé &mdash; <em>What Will It Take to Make a Woman President?</em> by Marianne Schnall</h2> <p>There aren't many people in America, or the world, who don't know of Beyoncé. The multi-Grammy winning singer and actress has amassed millions from her albums, concerts, perfume lines, clothing, and films.</p> <p>Schnall penned <a href="http://amzn.to/2on4DWG" target="_blank">What Will It Take to Make a Woman President?</a> after a question was brought up by her 8-year-old daughter: &quot;Why haven't we ever had a woman president?&quot; It was a question she did not know how to answer, and so she set about asking the likes of Sheryl Sandberg, Maya Angelou, Gloria Steinem, Nancy Pelosi, Nicholas Kristof, and Melissa Etheridge.</p> <p>&quot;It's a collection of interviews and essays by great women,&quot; says Beyoncé. &quot;They will inspire you to become a better leader.&quot;</p> <h2>10. President Trump &mdash; <em>The Power of Positive Thinking</em> by Norman Vincent Peale</h2> <p>Love him or hate him, he's the 45th President of the Unites States, and a very wealthy man. Some say that he's not much of a reader these days, but he has stated that this book had a profound effect on him and his business empire.</p> <p>The international best seller by Norman Vincent Peale speaks of faith, spirituality, and the power of the mind to drive you forward. Via simple, prayerful exercises that you do daily, you can eliminate all the negative thoughts that prevent you from achieving the happiness and success you deserve.</p> <p>President Trump read <a href="http://amzn.to/2oniNY2" target="_blank">The Power of Positive Thinking</a> when he was billions of dollars in debt, and it turned his life around. &quot;My father was friends with Dr. Norman Vincent Peale, and I had read his famous book, <em>The Power of Positive Thinking</em>,&quot; said Trump. &quot;I refused to be sucked into negative thinking on any level, even when the indications weren't great. That was a good lesson because I emerged on a very victorious level.&quot; Victorious indeed, considering he is now the most powerful man in the world.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke">How to Think Like a Billionaire When You’re Broke</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-cities-the-most-billionaires-call-home">The 5 Cities the Most Billionaires Call Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">5 Easiest Ways to Score Free eBooks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment billionaires books celebrities inspiration millionaires reading wealthy Fri, 21 Apr 2017 09:00:11 +0000 Paul Michael 1930340 at http://www.wisebread.com 11 Great Frugal Gifts for Booklovers http://www.wisebread.com/11-great-frugal-gifts-for-booklovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-great-frugal-gifts-for-booklovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_book_498584550.jpg" alt="Woman booklover reading a book" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Christmastime is here.</p> <p>If you've been planning for months, this is probably a great feeling. You can relax and enjoy the decorating, the events, the lights, the parties &mdash; the whole season. But if you're not a planner, Christmas can be stressful. Instead of enjoying everything the season offers, you may end up in a panic about presents: what to buy for which person, and whether everything will arrive by Christmas Day.</p> <p>While I can't tell you what to get for the gamer or gardener in your life or your favorite artist, I can help you out when it comes to buying presents <a href="http://www.wisebread.com/11-great-apps-for-book-lovers">for your favorite booklover</a>. Here are some of my favorites for this year!</p> <h2>1. Writing Gloves</h2> <p>Fingerless gloves are kind of a thing right now, and these&nbsp;<a href="https://storiarts.com/collections/gloves">writing gloves by Storiarts</a> help highlight a person's love of reading. Printed with text from your reader's favorite book, they are the perfect addition to a winter wardrobe. You can choose from several classic texts, or even choose the text that best typifies your relationship with your reader.</p> <p>As a bonus, many readers are also writers of some form or another, and these gloves are great for keeping the hands warm while freeing the fingers to hold a pen or type.</p> <h2>2. Author Plushie</h2> <p>Does your booklover have a favorite classic author? Of course they do! Wouldn't they love to curl up with their favorite author while reading their favorite book? <a href="http://www.bookishfreaks.com/product-category/soft-and-plushie/">Bookish Freaks</a> offers plushies of some of the most popular authors.&nbsp;</p> <p>For the booklover who has everything, these make a fun and thoughtful gift. Show that you know your booklover well when you choose an author they love!</p> <h2>3. Building Stories</h2> <p>I almost never put actual stories on this list, but this one is an exception. Instead of a book, <a href="http://amzn.to/2h4csws">Building Stories</a> is a story told through 14 different items in a box. These vary from pamphlets to scraps of paper, and tell the story of daily life in three adjoining apartments in Chicago.</p> <p>There's nothing I've ever come across that is exactly like this, but it is the perfect gift for a reader. It's normal and exhilarating, beautiful and boring (but in all the right ways). It is a whole new way of storytelling, which most readers will appreciate, and it is also a work of art.</p> <h2>4. Bathtub Book Caddy</h2> <p>I'm not a huge bathtub fan, but one of my fellow book-loving friends is, and she adores her <a href="http://amzn.to/2gDjvLV">bathtub book caddy</a>. If your booklover is also a bathlover, this can help them relax more than ever by making it possible for them to do two of their favorite things at once. Now, they won't have to worry about dropping their book in the tub, and they will be able to read while they soak.</p> <p>Do be sure to buy a caddy with a spot for a wine glass. Because wine. Trust me. Your booklover will thank you.</p> <h2>5. The Storymatic Game</h2> <p>Pick some cards, tell a story. That's the basic premise of <a href="http://amzn.to/2h7bhwF">The Storymatic Game</a>. This is a blast to play with friends, or to use as an icebreaker to start some fascinating conversations. Teachers can also use it in the classroom, and you can take it on car trips to help keep everyone off their phones. It's also great for writers who are stuck or who want to practice coming up with plotlines out of nowhere.</p> <p>Most booklovers can appreciate a good story, and this helps them take it one step further to start telling stories of their own.</p> <h2>6. A Map of Fictional London</h2> <p>So many of the best stories take place in London, and now you can get your booklover's favorite literary locations collected together on <a href="https://www.theliterarygiftcompany.com/products/a-map-of-fictional-london">this map of fictional London</a>. How much fun would it be for your reader to plan a trip, real or imaginary, in which they got to see all of their favorite places? It's also helpful to understand the plot of some stories to actually see where the characters are going, how far they travel, etc.</p> <h2>7. Clic Reading Glasses</h2> <p>Even if your reader doesn't require reading glasses to see the words, a good pair can ease the strain on their eyes that comes from spending a lot of time with one's nose in a book. The <a href="http://amzn.to/2gbJLB4">clic glasses</a> are especially nice, as they come with a built-in neck band, which helps keep them on and keeps them from getting lost, and they click together in the front, rather than going on like a regular pair of glasses.</p> <p>Many of the booklovers I know wear reading glasses even though they don't require them, simply to extend the longevity of their ability to read regular-sized print by easing eyestrain.</p> <h2>8. &quot;I'm Reading&quot; Mug</h2> <p>As an avid reader, I can tell you that there's nothing (absolutely, positively nothing!) worse than being needlessly interrupted while in the middle of a good book. Give them the hint by overtly sipping from <a href="http://www.zazzle.com/kindly_go_away_im_reading_coffee_mug-168171270395227102">this mug</a>. Not only does it let people know that their intrusion is not welcome (yes, I am actually doing something, thankyouverymuch), but it also does it nicely. Booklovers tend to be a fairly polite bunch, and this will help them make their point without feeling rude.</p> <h2>9. The Best Bookmark Ever</h2> <p>This bookmark doesn't just mark the page you left off at, but it has a handy pointer that <a href="http://store.moma.org/mobile/product/productDetails.form?productId=69218&amp;categoryId=11531&amp;gclid=CJeChfufsb4CFe99OgodAgUAEw">shows you <i>exactly</i>&nbsp;where on the page you left off at</a>! They also won't fall out easily thanks to the rubber band that goes around one whole side of the book. As a busy mom of three kids, sometimes it's impossible to find my place on a page before someone else needs my help. With this bookmark, I can read at least a couple of paragraphs before my presence is demanded.</p> <h2>10. &quot;Well Read&quot; Pin</h2> <p>For the booklover who is proud of their reading habit but also quiet and a bit understated, this <a href="http://www.urbanoutfitters.com/urban/catalog/productdetail.jsp?id=41113507&amp;cm_mmc=CJ-_-Affiliates-_-ShopStyle.com-_-11389065">&quot;Well Read&quot; pin</a> can help them communicate about their passions. It's easy to wear on a backpack, a collar, or anywhere else. It won't get in the way, but I can guarantee that other readers will see it and smile, and they might even start up a conversation.</p> <h2>11. Solar Powered Kindle Charger</h2> <p>If your reader carries a Kindle with them wherever they go, consider a <a href="http://amzn.to/2hazgem">solar powered charger</a> for their favorite device. Some of these even come with cases, so the Kindle can charge and be protected at the same time. Trust me&hellip; you don't want to be around a reader who can't read because their ereader died!</p> <p>Be sure to choose the charger that goes with the Kindle your booklover owns. They are available for nearly every device.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/11-great-frugal-gifts-for-booklovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">5 Easiest Ways to Score Free eBooks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-is-gasoline-so-cheap-a-cost-comparison-of-40-common-household-liquids">Why is Gasoline So Cheap? A Cost Comparison of 40 Common Household Liquids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-find-the-cheapest-college-textbooks">How to find the cheapest college textbooks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping booklovers books bookworm gift guide new books reading shopping Thu, 08 Dec 2016 11:00:07 +0000 Sarah Winfrey 1849884 at http://www.wisebread.com 5 Reasons Librarian Is Still a Great Career Choice http://www.wisebread.com/5-reasons-librarian-is-still-a-great-career-choice <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-reasons-librarian-is-still-a-great-career-choice" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_72375351_MEDIUM.jpg" alt="librarian is still a great career choice" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financially savvy individuals know better than to dive headfirst into a dying industry. When a job breathes its last breath, employees will be left<a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead"> scrambling to locate a new job</a> that utilizes the same skills and pays around the same amount.</p> <p>A few years ago with the rise of digital media, I wondered what would happen to all the libraries. I imagined buildings abandoned, shelves empty, save for the occasional battered book, and everything covered in layers of dust. However, libraries aren't going anywhere anytime soon. And librarians and library assistants are still relatively stable career prospects. Here's why. (See also: <a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers?ref=seealso">6 Great Side Jobs for Book Lovers</a><span style="font-size: 13px; line-height: 1.7em;">)</span></p> <h2>1. Salary</h2> <p>According to the Bureau of Labor Statistics,&nbsp;<a href="http://www.bls.gov/ooh/education-training-and-library/library-technicians-and-assistants.htm">library technicians and assistants</a> earned a median wage of $13.43 an hour in 2015. And even the library assistants who were paid the lowest in the industry averaged around $9.34 an hour. If you pursue a library assistant job, chances are you will be paid above the federal minimum wage. When you throw in the fact that the job doesn't require you to invest in an expensive college degree, it's a pretty solid employment opportunity.</p> <p>The only downside is that a lot of the job opportunities are currently part-time, but that applies to a lot of jobs that don't require a college degree. This job can be a steppingstone to a far more lucrative librarian job. <a href="http://www.bls.gov/ooh/education-training-and-library/librarians.htm#tab-1">Librarians</a> earned an average of $27.35 an hour in 2015. That's an annual salary of around $56,880. Even the lowest paid jobs within the industry paid an annual salary of around $33,810. The only downside is that to become a librarian, individuals will need to earn an undergraduate degree and a masters in library science.</p> <h2>2. Upward Job Prospect Trend</h2> <p>Sure, electronic media has hurt the librarian profession, but it's not severely wounded. According to the Bureau of Labor Statistics, job opportunities for librarians and library technicians and assistants will continue to increase.</p> <p>The job outlook from 2014 to 2016 for librarians is expected to increase by 2%. And library technician and assistant positions will increase by 5%. The fact that the industry continues to experience growth, even if it's slow growth, is a good sign.</p> <h2>3. Libraries Are Proactively Changing</h2> <p>Public libraries have been making major changes to remain relevant in an increasingly digital world. Here are some of those changes:</p> <ul> <li>Offering movie rentals</li> <li>Renting board and video games</li> <li>Renting meeting rooms to businesses</li> <li>Offering power tool rentals</li> <li>Renting musical instruments</li> <li>Offering free Wi-Fi</li> <li>Providing access to 3D printers</li> <li>Giving out free seeds to plant</li> <li>Providing computer and tech classes</li> </ul> <h2>4. Even Federal Funding Cuts Can't Keep Them Down</h2> <p>Yes, libraries are facing <a href="http://lj.libraryjournal.com/2016/03/budgets-funding/proposed-federal-budget-could-cut-state-library-funding-by-nearly-1-million/">federal budget cuts</a> this year, but it won't decimate the ability of libraries to function and continuing to operate. According to the Huffington Post, during economic downturns when libraries don't receive as much federal or state funding, local communities have a pretty good track record of <a href="http://www.huffingtonpost.com/c-m-rubin/how-will-we-read-in-publi_b_1103601.html">stepping in to save public libraries</a>. When they can't cover operating costs, 87% of communities supported measures to grant their libraries the funding necessary to remain open.</p> <h2>5. Broad Range of Librarian Jobs</h2> <p>The employment opportunities for librarians are far more expansive than gigs at small public libraries and schools.</p> <p>Larger libraries often allow individuals to really specialize in a specific skill set.</p> <ul> <li><strong>User service librarians</strong> aid individuals in navigating the library and finding material to conduct research.<br /> &nbsp;</li> <li><strong>Technical service librarians</strong> obtain, prepare, and organize library materials.<br /> &nbsp;</li> <li><strong>Administrative services librarians</strong> are focused on the more business-oriented aspects of the library (staffing, budgets, library material contracts, and fundraising).</li> </ul> <p>Librarians can also work in nontraditional librarian jobs.</p> <ul> <li><strong>Corporate librarians</strong> are hired by private businesses (insurance companies, consulting firms, and publishing companies) to assist employees as they conduct research.<br /> &nbsp;</li> <li><strong>Government librarians</strong> assist government staff.<br /> &nbsp;</li> <li><strong>Law librarians</strong> work in law school libraries and law firms. They organize legal resources and aid lawyers, law students, judges and law clerks with their research.<br /> &nbsp;</li> <li><strong>Medical librarians</strong> help health professionals, patients, and researchers find health-related information. They teach medical students how to find information and answer consumer health questions.</li> </ul> <p>Libraries and librarians have continually fought to remain relevant as technology has rapidly changed. Due to the hard work of librarians, library organizations, and many others, library based careers are still a lucrative career choice.</p> <p><em>Have you considered pursuing a career as a librarian? What has your experience been?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/5-reasons-librarian-is-still-a-great-career-choice">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-interview-technique-will-get-you-hired">This Interview Technique Will Get You Hired</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-questions-to-ask-before-you-take-a-job-offer">12 Questions to Ask Before You Take a Job Offer</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/jumpstart-your-job-search-with-instagram">Jumpstart Your Job Search With Instagram</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-cool-jobs-for-book-lovers">17 Cool Jobs for Book Lovers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Job Hunting bibliophile book lover books librarian library library assistant reading Wed, 24 Aug 2016 09:30:32 +0000 Samantha Stauf 1778459 at http://www.wisebread.com 4 Top Money Lessons to Learn From Ruth Soukup's "Unstuffed" http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_holding_baby_84495417.jpg" alt="Mother learning money lessons from &quot;Unstuffed&quot;" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What does clutter have to do with your finances? A lot more than you think. It can be easy to write off clutter as just an annoyance that keeps your home from being clean. However, clutter can have a stronger hold on your life. Not only does clutter take up your space, but it also can greatly affect your schedules, relationships, and finances, all while draining you physically and mentally.</p> <p>Blogger and author Ruth Soukup gets to the root issue of clutter in many areas of our lives in her new book, <a href="http://amzn.to/2b18IIo">Unstuffed</a>. When I read it, I was surprised to find that this was not just a home organization book. There are also very important financial lessons strewn throughout, and when applied to your life, they could drastically change your clutter and financial issues. Here are some of the biggest money take-aways from the book.</p> <p>See also: <a href="http://www.wisebread.com/8-ways-clutter-keeps-you-poor?ref=seealso">8 Ways Clutter Keeps You Poor</a></p> <h2>Clutter Keeps Kids From Learning Important Financial Lessons</h2> <p>Many parents will probably agree that the biggest source of stuff in their homes comes from their children. As a parent, it is hard to not buy your children things, especially when you want to show them love. However, it is important to realize that the more stuff they have, the more spoiled and dissatisfied they can become. Many times, parents will buy items for their kids to solve their child's boredom or to remedy parental guilt.</p> <p>This is just setting up our children for failure, since it does not properly teach your child to respect money or stuff. &quot;Additionally,&quot; Soukup says, &quot;fighting the battle of stuff alongside our kids, rather than only for them, will also help them learn virtually life lessons about the value of money, the reality of hard work (which includes caring for stuff!), and the responsibility of stewarding our resources wisely.&quot;</p> <h2>Learn to Give Your Presence, Not Your Presents</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/51p%2BiVuIC6L._SX326_BO1%2C204%2C203%2C200_.jpg" width="328" height="499" alt="" /></p> <p>Soukup talks a lot about her aunt that loved to lavish her young girls with gifts for every major holiday. Finally, Soukup told the aunt it would be more important for her to spend quality time with the girls than to just get them stuff. Her aunt listened, and did a lot of fun things with them instead. A few years later, she passed away from cancer. Soukup was thankful that her girls had memories of her as a person, and not just the stuff she had given them.</p> <p>Let this be encouragement for you personally to bless people with your time, not just your gifts. Memories will always have a bigger impact on relationships, and this applies to all relationships. You can never replace the quality of time with the quantity of stuff.</p> <h2>How to Deal With Family Members Who Love to Give</h2> <p>It can be hard to turn down well-meaning family members who love to buy you gifts for every holiday. However, sometimes well-meaning family members can make clutter situations worse. It might not be easy, but it is necessary to have a heart-to-heart talk with your family.</p> <p>Tell them how important they are to you and that you love how thoughtful and generous they are. Share your struggles with clutter, and honestly say that you are trying to cut down on the amount of stuff and gifts that enter your home. Encourage them to give gifts of time instead. For example, if your mom loves to buy things for your daughter, suggest spending that money on special &quot;Grandma-Granddaughter Dates&quot; instead. When family members ask for gift suggestions, instead of saying &quot;nothing,&quot; encourage them to take your children on a special trip to get ice cream or to buy family passes to a zoo or museum.</p> <p>Talking with loved ones can be hard, and changes might not be immediate. It is important to remember to continue to love them and encourage them gently to gift their time rather than just stuff.</p> <h2>Don't Let High Value Keep You From Decluttering</h2> <p>Don't withhold from decluttering because of how much a particular item cost you. Many times people will hang onto an item because there is too much guilt attached to discarding it. They paid too much for that item, so they feel as if they are wasting money by getting rid of it.</p> <p>If you're not using it and it is taking up space in your home, then it is doing you more of a disservice. &quot;Better to sell it and recoup some of the loss than to keep it and gain nothing out of it,&quot; Soukup writes.</p> <p>Soukup's book was packed with decluttering wisdom, as well as thoughtful tips on how to have better relationships and how to better use our time. Decluttering your life does not just mean getting rid of a lot of stuff in your home. Instead, it is important to free yourself from the negativity of having too much stuff, buying too much stuff, and having stuff clutter your calendar, relationships, and soul.</p> <p><em>How do you deal with the clutter in your life?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn About Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-season-give-your-child-the-gift-of-fiscal-responsibility">This Season, Give Your Child the Gift of Fiscal Responsibility</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-financial-gifts-mom-will-love-for-mothers-day">6 Financial Gifts Mom Will Love for Mother&#039;s Day</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-frugal-living-skills-i-wish-my-parents-would-have-taught-me">8 Frugal Living Skills I Wish My Parents Would Have Taught Me</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-stocks-your-kids-would-love-to-own">5 Stocks Your Kids Would Love to Own</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family books clutter gifts kids money lessons quality quantity ruth soukup Thu, 18 Aug 2016 09:30:37 +0000 Ashley Eneriz 1774332 at http://www.wisebread.com How Family Plans Can Save you TONS http://www.wisebread.com/how-family-plans-can-save-you-tons <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-family-plans-can-save-you-tons" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/family_watching_tv_90916655.jpg" alt="Learning how family plans can save you tons" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While house phones and cable may be on their way toward obsoletion, the subscription market is booming. You can find a subscription or membership plan for just about anything &mdash; your favorite TV shows, your cell phone, music, and even Uber.</p> <p>While these subscription plans can save consumers money, especially if you switch from a $100 cable bill to a $7.99 Hulu bill, they can still add up. Thankfully, many subscription or membership plans offer discounts for families. Here are the top shareable accounts you can take advantage of to save money.</p> <h2>TV Streaming</h2> <p>There are quite a few TV streaming services available right now. Most of them don't openly advertise a family sharing plan, but you can activate the streaming on multiple devices.</p> <h3>Netflix</h3> <p>Netflix allows users to stream shows on up to six devices, have up to five profiles, and even stream simultaneously on up to four devices at a time. (See also:&nbsp;<a href="http://www.wisebread.com/6-tricks-for-a-better-netflix-experience" target="_blank">6 Tricks for a Better Netflix Experience</a>)</p> <h3>Hulu</h3> <p>Membership can be activated on however many devices you wish, but streaming can only be done on one device at a time.</p> <h3>Amazon Prime</h3> <p>Amazon Prime allows users to add one adult to their account, and have up to four children profiles. Sharing Amazon Prime means the shared user has access to the large library of Prime shows and movies. Two different shows can be streamed at the same time on two different devices.</p> <h3>HBO Now</h3> <p>HBO Now doesn't offer specific rules on sharing, but several devices can use the same HBO account, though simultaneous streaming is limited. Funny enough, HBO CEO Richard Pepler said, &quot;It's not that we're unmindful of it, it just has no impact on the business. In fact, the practice of sharing usernames and passwords serves as a terrific marketing vehicle for the next generation of viewers.&quot;</p> <h2>Spotify</h2> <p>Spotify just rolled out its revised family plan in May. It allows you and up to five family members to enjoy a Spotify Premium account for only $14.99 a month. That works out to about $2.50 per person. What is neat about Spotify's family account is that six people are not sharing the same account. Instead, all six individuals in the family get their own premium account, which means they can play their favorite music ad-free and offline.</p> <p>There are some restrictions to Spotify's family plan. All members must reside at the same address, though it is unclear how Spotify enforces this rule. Also, the account head will be billed the $14.99 each month, so you could get stuck with the $14.99 monthly bill if other family members don't pay you their portion.</p> <h2>Uber</h2> <p>Uber launched its Family Profiles in March for select cities. Even though Uber called its new program &quot;Family Profiles,&quot; the company does not discriminate if you add friends or coworkers. Once this feature is more widely available, the profile can include up to 10 riders under one payment option.</p> <p>This makes it easier to arrange rides for college students in other cities or to help older family members who cannot drive to do errands.</p> <h2>Cell Phones</h2> <p>It is no secret that you cell phone providers offer family share plans. Before we got married, my husband and I joined his sister's family plan with Verizon. It was the cheaper alternative to getting on our own plan. Somehow our bill kept growing (because his sister's family was charging us the same amount as their phones, even though they were using premium services). We were able to pay less on our own family plan with T-Mobile.</p> <p>With T-Mobile, we are not on a contract and only pay about $55 for both of us. To get that price, we added my father and sister at $25 per line. With T-Mobile, the phones are pricier, since you are not under a contract. However, there are no extra charges for using too much data or texting. When one of us goes over our allotted data, instead of receiving a hefty charge, our browsing and streaming just slows considerably.</p> <p>Another affordable family plan to consider is<a href="https://www.cricketwireless.com/5for100">Cricket's</a> five lines for $100. The basic plan starts at $40 ($35 after autopay discount). Then you can add on a second line for $30, the third line for $20, the fourth line for $10, and the fifth line should be free. This would equate to $20 per person on the plan (or less, depending on the autopay discount).</p> <h2>Kindle Library</h2> <p>If you share an Amazon Prime account with another adult, they will be able to access the Kindle Owners' Lending Library if they own a Kindle. Even if you do not add on someone to your Amazon Prime account, you can still lend out books to friends and family members, as long as the book has lending rights.</p> <p>Using family plans and sharing accounts is a great way to save money on membership and subscription costs. Just be sure to know the terms and conditions before sharing. Some companies have specific programs designed for family sharing, while others frown upon sharing your password.</p> <p><em>What's your favorite way to save money on subscription services?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-family-plans-can-save-you-tons">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-subscription-services-every-traveler-needs">3 Subscription Services Every Traveler Needs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-big-on-everything-for-your-wedding">How to Save Big on Everything for Your Wedding</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/life-without-tv">Life Without Television</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-commandments-of-reaching-financial-freedom">The 10 Commandments of Reaching Financial Freedom</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-tv-must-haves-once-you-cut-the-cable-cord">3 TV Must-Haves Once You Cut the Cable Cord</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living books cell phones family plans music netflix saving money spotify streaming subscription plans tv Tue, 19 Jul 2016 09:30:38 +0000 Ashley Eneriz 1753338 at http://www.wisebread.com Can You Really Make a Living as an Ebook Writer? http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/can-you-really-make-a-living-as-an-ebook-writer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_writing_book_83658901.jpg" alt="Woman making a living as an ebook writer" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ebooks have made self-publishing more accessible than ever. As recently as the 1990s, self-publishing meant paying to have thousands of physical books printed; a 1999 CNNMoney article pegged the cost at $12,000 to $30,000.</p> <p>Now that the majority of books sold are electronic, you can self-publish for much less &mdash; even for free. But does that mean you have a better chance now at making money on that self-published book than you did when expenses were higher?</p> <p>That all depends on how you go about it, and how lucky you are. Let's break down the process.</p> <h2>Where to Publish</h2> <p>The three main online stores that sell ebooks are Amazon's Kindle Store, Barnes &amp; Noble's Nook Store, and Apple's iBookstore. A few books are sold on other marketplaces as well, such as the Kobo US bookstore and GooglePlay Books. Authors can also sell their books directly to consumers on their own websites.</p> <p>Since <a href="http://authorearnings.com/report/october-2015-apple-bn-kobo-and-google-a-look-at-the-rest-of-the-ebook-market/">74% of all ebooks are sold on Amazon</a>, it's often the first or only place new authors think of to sell their work. And there are a lot of <a href="http://www.magnoliamedianetwork.com/sell-your-ebook-on-amazon/">benefits to selling on Amazon</a>. Kindle books are easy to buy, and the publishing process is straightforward. On the flip side, there are so many books selling on Amazon, including those from unknown new authors (like you), that it can be hard to stand out from the crowd. Amazon demands that you <a href="http://selfpublishingadvice.org/alli-watchdog-amazon-vs-apple/">exclusively sell your book</a> through them if you want to take advantage of many benefits, such as the Kindle Lending Library and Kindle Unlimited. (Keep in mind that Amazon pays authors when people check out their books; one ebook author said the Lending Library accounted for <a href="http://upfuel.com/how-much-money-can-one-kindle-book-make-1-year-case-study/">10% of his revenue</a>.) The biggest disadvantage of selling with Amazon, for many, is that they just don't like the way Amazon treats its authors.</p> <p>Apple's iBookstore is gaining market share, and as you would expect from Apple, books published on this platform look beautiful. But while Kindle books can be downloaded onto just about any device, readers can only access iBooks on an Apple device such as an iPad or an iPhone, which limits the market.</p> <p>Nook seems to be getting squeezed out by the big two ebook stores, and should probably only be considered as a secondary place to publish. The bottom line is that you may sell more books on Amazon, but some authors don't feel like that's a good enough reason to publish there.</p> <p>&quot;I may not sell as many books with Apple &mdash; yet &mdash; but it's a whole lot more fun working with them,&quot; writes author Giacomo Giammatteo.</p> <p>No matter which platform you choose, you stand to make about $2 a book if you sell your ebook for $2.99 &mdash; which is a popular price point.</p> <h2>How to Publish</h2> <p>Once you've decided where to sell your ebook, you're not done making decisions. You must decide whether to create and upload your ebook all on your own, or to pay an epublishing service or distributor to do it for you. The top services include <a href="https://www.bookbaby.com/">BookBaby</a>, <a href="https://www.smashwords.com/">Smashwords</a>, and <a href="http://www.ingramspark.com/">IngramSpark</a>. For fees of $149 or more, these services can format your book and upload it to multiple different ebook stores. You can pay more for value-added services, such as editing, cover design, and even print-on-demand paper books.</p> <p>You can also hire editing and design professionals independently for these services.</p> <h2>What to Publish</h2> <p>What your ebook is about all depends on your goals. If your motive is purely profit, there are methods of figuring out which topics are most likely to sell books. An anonymous author, who claims to be making tens of thousands of dollars a month publishing short ebooks (about 20 pages), describes his <a href="http://thehustle.co/underground-world-of-kindle-ebooks">process for choosing topics</a> on The Hustle: &quot;I find books that are selling well, check out their tables of contents, and look at the negative reviews to see what they missed.&quot;</p> <p>It may be disheartening for a hardworking writer to hear, but this successful entrepreneur says that sales are driven mainly by the cover image and the book description: &quot;[T]he book's content is the least important part of the process.&quot;</p> <p>If your motive is more to get a great idea or story out into the world, rather than just cranking out any title that will sell, you should still do your research before you sit down and start writing. If you have a blog, poll your readers on what topics they'd most like to see expanded upon in a book. If your book is in a genre or niche, such as a cookbook, study the top-selling, well-reviewed ebooks in that niche and try to figure out what you could add that hasn't already been done well. Fiction authors can also benefit by looking at already published novels in their category, to figure out both how to avoid writing books that have been done to death &mdash; and to find out what types of novels are hot right now.</p> <h2>How to Make It Sell</h2> <p>Once upon a time, writers just turned in their manuscripts to publishers and left the advertising and promotion to the company. But even authors with book contracts nowadays find themselves doing their own advertising and promotion. <em>Before</em> you publish your book, consider the investment of hiring a publicist to let media know about your upcoming release. If you're publicizing it yourself, write about your upcoming book on your blog, and ask other bloggers to write about it as well. You can also create a new blog just about the new book or about its topic, in order to drive traffic to your book.</p> <p>Don't forget good old-fashioned advertising. Mark Dawson, who says he makes six figures selling his novels on Kindle Direct, pays $370 a day to advertise it on Facebook, according to Forbes.</p> <h2>Will You Make Money?</h2> <p>Of about 200,000 authors selling ebooks on Amazon, only about 5,000 &mdash; less than 3% &mdash; consistently earn $10,000 a year or better, according to the website Author Earnings. More than half of those are traditionally-published authors. So, only around 1% of all the people self-publishing ebooks are making much money on it.</p> <p>That's not to say you can't. One approach for ending up with more money in your pocket is to keep your investment low, so that even if sales are modest, you still keep some profit. To save themselves from investing too much time, some ebook authors suggest <a href="http://www.fabfreelancewriting.com/blog/2013/06/25/writing-kindle-ficion-make-money-with-short-stories/">keeping books short</a> &mdash; since people are about as likely to pay for a 20-page book or short story as they are for a full-length novel. Others minimize their time investment by outsourcing the cover art (<a href="http://thehustle.co/underground-world-of-kindle-ebooks">this guy gets all his covers designed on Fiverr</a>) or even the content.</p> <p>Again, it's all about your goals. If your dream is to delight readers with your imaginative novel or win a literary award, you're not going to dash out an outline and hire a low-cost overseas writer to flesh it out. But if your goal is to develop a passive income stream by pumping out 50 titles a year, outsourcing is probably your best option.</p> <p>In the end, the answer is that you can make a living self-publishing ebooks, but like a lot of business ventures, most people who try it don't cash in. If you decide to enter self-publishing as a moneymaking venture, make sure to research the market first and put in the time to create a product that's optimized to sell.</p> <p><em>Have you tried selling an ebook online? What was your experience like? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-real-costs-of-self-publishing-a-kids-book">3 Real Costs of Self-Publishing a Kids&#039; Book</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-a-side-hustle-can-advance-your-career">8 Ways a Side Hustle Can Advance Your Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-cool-jobs-for-fashion-lovers">18 Cool Jobs for Fashion Lovers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income author books bookworm ebook author eBooks freelancer jobs novelist professional writer side hustle writer Fri, 01 Jul 2016 10:30:04 +0000 Carrie Kirby 1742406 at http://www.wisebread.com 5 Easiest Ways to Score Free eBooks http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easiest-ways-to-score-free-ebooks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_72457041_XLARGE.jpg" alt="reading free ebooks" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'm a bookworm. But the life of a bookworm can be an expensive one. Popular novels tend to be priced anywhere from $6 to $20. That's a pricey prospect for readers who tend to power through five, ten or more books every month.</p> <p>Throughout elementary school and college, I controlled the costs of books primarily by utilizing my public library. I haven't stepped foot in a library in three years, yet I still tend to pay less than $10 every month buying books. The large majority of my reading time is spent downloading and reading free ebooks. Here are five smart reading hacks that can eliminate your monthly book expenses entirely. (See also: <a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books?ref=seealso">8 Smart Ways to Save on Audio Books</a>)</p> <h2>1. Sign Up for Kindle Family Library</h2> <p>Kindle Family Library is a handy feature that allows you to link up to two adult and four child Amazon accounts. Once the accounts are linked, you have access to all the eBooks that the individual has purchased in the past. This can provide months of free reading.</p> <p>Once you have read all of the books in your shared library, you can then separate your accounts, wait 180 days, and then sync up with another family member or friend for access to <em>their </em>library.</p> <p>The only downside of linking accounts is that you will need to authorize the other individual to utilize the credit and debit cards you have on file. You need to trust the individual not to go on a wild shopping spree on your Amazon account.</p> <h2>2. Borrow ebooks From Strangers and Friends</h2> <p>Both Amazon and Barnes and Noble allow individuals to lend the books they bought for 14 days. This can allow you access to more books without directly linking up your accounts.</p> <p>You can supercharge your ability to borrow books by signing up for an online book lending community. Websites like <a href="http://booklending.com/">booklending.com</a> (Kindle), <a href="http://lendle.me/">Lendle</a> (Kindle), and <a href="http://ebookfling.com/f">eBookFling</a> (Kindle and Nook), all allow you to borrow and lend books to strangers.</p> <p>However, many of these lending sites (Lendle and eBookFling in particular) do expect you to lend books to other members in order to continue to borrow books yourself. If you don't already have a library of lendable books, or you don't plan on slowly expanding your library, you might not be able to utilize many of the online lending communities.</p> <h2>3. Read Non-Professional Stories Online</h2> <p>There are hundreds of solid stories self-published online for free on a variety of websites. Budding writers flock to sites like <a href="https://www.fictionpress.com/">FictionPress</a> to in order to practice the craft of writing. In exchange for an occasional review of a chapter or story, readers have the ability to dive into a potentially good book for free.</p> <p>Another non-professional option for the more geek-inclined is to start reading fanfiction. Fanfiction, for those who don't know, are stories that utilize the characters and setting of already existing television shows, movies, comics, or books. If you do delve into the world of free reading by devouring fanfiction, I would suggest starting with either <a href="https://www.fanfiction.net/">Fanfiction.net</a> or <a href="https://archiveofourown.org/">Archive of Our Own</a>.</p> <p>But there are a couple potential downsides of utilizing sites like FictionPress or Fanfiction.com to find good books.</p> <ul> <li>You can expect to find some sub-par writing due in part, to the fact that individuals of various skill levels publish on these types of sites. Try to choose more popular novels based on how many reviews, favorites, or follows they have.</li> <li>The majority of writers publish in these forums as chapters are completed. This process often leads to many writers abandoning stories mid-way. So search for completed stories when doing searches for potential novels.</li> </ul> <p>If fanfiction is for you, utilize an application within Calibre (a free eBook organizer) called&nbsp;<a href="https://github.com/JimmXinu/FanFicFare/wiki/SupportedSites">FanFicFare</a> to download the books onto your computer as either an ePub (Nook), a Mobi (Old Kindle), or an AZW3 (New Kindle) file.</p> <h2>4. Read Public Domain Books</h2> <p>You can keep your electronic bookshelf well stocked by simply sticking to reading books that are within the public domain. This means that anyone is free to use or re-use the book. You can find older classics like <em>Pride and Prejudice</em> by Jane Austen or <em>Oliver Twist</em> by Charles Dickens as part of public domain.</p> <p>Some of these books you can find for free on major eBook publishing sites. Others, you can locate on one of these 25 different&nbsp;<a href="http://ebookfriendly.com/free-public-domain-books-sources/">free public domain publication</a> websites. Many of the free-to-use websites allow you to choose which format (ePub, mobi, HTML) you would like to download the novel in.</p> <p>If you're unsatisfied with the file option available on the site you choose, you can always upload the file to Calibre and convert that file to one of your choice.</p> <h2>5. Check Author Websites for Free Short Stories and Novels</h2> <p>You might want to scope out your favorite author's websites for free novels or short stories. Many authors publish their older novels or short stories online as a gift to fans or in an attempt to attract new readers.</p> <p>And you can either read their stories online or utilize Internet applications like&nbsp;<a href="https://chrome.google.com/webstore/detail/send-to-kindle-for-google/cgdjpilhipecahhcilnafpblkieebhea">Send to Kindle</a> or&nbsp;<a href="http://ebookfriendly.com/how-to-send-any-web-page-to-ibooks-nook-or-kobo-app/">Readability</a> to send the chapters or short stories on the author's website to your ereader.</p> <p><em>How do you save money on ebooks? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/5-easiest-ways-to-score-free-ebooks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-reasons-to-choose-traditional-books-over-e-books">5 Reasons to Choose Traditional Books Over E-Books</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-great-frugal-gifts-for-booklovers">11 Great Frugal Gifts for Booklovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/another-one-for-the-readers-0">Another one for the readers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Entertainment Shopping books bookworm eBooks entertainment ereader free books reading tablet Mon, 27 Jun 2016 09:30:22 +0000 Samantha Stauf 1738461 at http://www.wisebread.com How to Get Even More Freebies in Exchange for a Review http://www.wisebread.com/how-to-get-even-more-freebies-in-exchange-for-a-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-even-more-freebies-in-exchange-for-a-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_lipstick_selfie_000078747697.jpg" alt="Woman getting freebies in exchange for a review" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Who doesn't like to get free stuff? It's even better when the free stuff is actually stuff you want and like. Through the help of a small personal website and my Amazon review account, I have been able to review &mdash; and keep &mdash; over $1,000 worth of goods for free.</p> <p>Here are my simple tips to increase how many freebies you can score each year.</p> <h2>It All Starts With a Good Amazon Account</h2> <p>If you want to be approached by companies, you have to have an Amazon review account that is full of reviews. Not all of my reviews are great, but if you can take the time to write some helpful and detailed reviews for products you already own and love, then you will increase your chances of being seen by a company. Companies will go based off of reviewer ranking and helpful vote counts.</p> <p>I also highly recommend updating your Amazon reviewer profile to include a little about yourself, your email address, and your picture. My profile says something like, &quot;Yes, I will review your product. Just email me.&quot; A few companies have reached out to me through my profile to offer me a product to review.</p> <h2>Have a Small Website</h2> <p>A small website, even one that is on a free WordPress or Blogger platform, can help you get stuff for free to review. Some review sites will have specific requirements, such as X number of Facebook followers or X number of pageviews each month. I have found that most of the Christian publishers I review books for have very easy restrictions, since Amazon reviews tend to be the gold that most publishers are going for.</p> <h2>Try Reaching Out to Companies Directly</h2> <p>Maybe you don't have a website but instead a social media account or YouTube channel with quite a few subscribers. If you are not approached by companies already, try reaching out to them.</p> <p>A few years ago, I ran a site called<em> The Thrifty Wife</em>, which was not popular, but it had about 1,000 views a week. I looked at other sites that were comparable to mine and saw what they reviewed. I then would reach out to those companies asking if they were interested in exchanging their product for a review. This might be out of your comfort zone, but it worked for a few products.</p> <p>Companies usually have a PR or marketing department, and those individuals most likely do not have time to research every social media account. Most of the extremely popular websites and social media accounts are hard to get a hold of or charge companies to review products. This is where individuals with a decent following come into play.</p> <h2>Book Publishers That Offer Review Copies</h2> <p>I review Christian books as a part of Tyndale, Moody, and HarperCollins' book reviewing programs. However, there are several programs available for both Christian and non-Christian books. Check publisher's websites to see if they have a reviewer program or a first look newsletter. Many indie authors are usually more than happy to provide free digital copies for reviews, so don't be afraid to reach out.</p> <ul> <li><a href="http://bakerpublishinggroup.com/bethanyhouse/bookreviewers">Bethany House</a></li> <li><a href="http://www.tyndaleblognetwork.com/">Tyndale Blog Network</a></li> <li><a href="http://www.hayhousebooknook.com/">Hay House</a></li> <li><a href="http://www.waterbrookmultnomah.com/bloggingforbooks/">Blogging for Books</a></li> <li><a href="http://tywebbinvirtualevents.com/authors-on-tour/join/">Tywebbin</a></li> <li><a href="http://mpnewsroom.com/">Moody Publishers</a></li> <li><a href="http://www.bookbrowse.com/arc/">BookBrowse</a></li> <li><a href="http://radiantlit.com/">Radiant Lit</a></li> <li><a href="http://vesselproject.com/">The Vessel Project</a></li> <li><a href="http://www.springer.com/book+reviews?SGWID=0-108-12-690404-0">Springer</a></li> </ul> <h2>Other Product Review Sites</h2> <p>Right now, I am a part of <a href="http://www.blueribbonsreview.com/">Blue Ribbon Reviews</a>, which offers free and heavily discounted items to review. I have received a backseat car organizer, reusable baby food pouches, and food containers for less than a $1 a piece, and they were things I could use anyways. So far, their free items I have seen offered have been for sleep-inducing syrup and wallets.</p> <p>The other company I review for is <a href="http://allstarreviewers.com/">All Star Review</a>. The site has offered 100% free items, but you are alerted of the free item a day before it launches, and then it is a first come, first serve basis the day the freebie is live.</p> <p>Obviously <a href="https://www.amazon.com/gp/vine/help">Amazon's Vine program</a> would be ideal, but I am still waiting for my invite. You can check out these other sites, too. Some are for free products, and others are for deeply discounted items.</p> <ul> <li><a href="http://www.lucky21.com">Lucky21</a></li> <li><a href="https://www.amz.one/#a_aid=trc">AMZ.one </a></li> <li><a href="http://www.therevieweffect.com">The Review Effect </a></li> <li><a href="https://homeproducttesting.org/">Home Product Testing </a></li> <li><a href="http://productelf.com/">Product Elf </a></li> <li><a href="https://www.snagshout.com/">Snagshout </a></li> <li><a href="https://www.giveawayservice.com/">Giveaway Service</a></li> </ul> <p>I have received several great things for free that have been very useful to me, including many organic food items and books that were on my &quot;to read&quot; wish list. However, there have been times I have been asked to review random things, such as a TV antenna or a refrigerator filter that didn't go with my fridge model. To avoid bringing clutter into my home, I only review products I want or know that I will use.</p> <p><em>What have you been able to review for free?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/how-to-get-even-more-freebies-in-exchange-for-a-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-amazon-deal-hacks-you-may-not-already-know">16 Amazon Deal Hacks You May Not Already Know</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-little-known-amazon-shopping-hacks">5 Little Known Amazon Shopping Hacks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-big-list-of-money-saving-coupon-codes-for-halloween-2016">The Big List of Money-Saving Coupon Codes for Halloween 2016</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stores-with-the-best-price-matching">10 Stores With the Best Price Matching</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-avoid-sneaky-online-price-changes">6 Ways to Avoid Sneaky Online Price Changes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Shopping Amazon books discounts freebies online shopping reviews Tue, 07 Jun 2016 09:00:12 +0000 Ashley Eneriz 1725690 at http://www.wisebread.com 5 Audiobooks About Money You Need to Hear http://www.wisebread.com/5-audiobooks-about-money-you-need-to-hear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-audiobooks-about-money-you-need-to-hear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000051466906_Large.jpg" alt="Man listening to audiobooks about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Listening to audiobooks has become my new favorite way to read. I don't have to carve out time to curl up with a book. I can listen and learn while driving, working out, or cleaning the house.</p> <p>While I'm happy to listen to anything from fiction to essays, my favorite audiobooks help me learn more about money, economics, and behavioral finance. The following five titles are the must-listen audiobooks you should totally check out. (See also: <a href="http://www.wisebread.com/the-5-best-money-podcasts?ref=seealso">The 5 Best Money Podcasts</a>)</p> <h2>1. The Millionaire Next Door: The Surprising Secrets of America's Wealthy</h2> <p>Written by Thomas J. Stanley, Ph.D and William D. Danko, Ph.D., and originally published in 1996, <a href="http://www.amazon.com/gp/product/B0000547HR/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B0000547HR&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=RRHMA7QSUWNPZHFB">The Millionaire Next Door</a> is a classic personal finance book that remains a perennial favorite. Stanley and Danko conducted 20 years' worth of research into the habits, behavior, mindset, and choices of the average millionaire.</p> <p>It turns out that most millionaires live modestly, residing in an inexpensive house, driving an older car, and wearing off-the-rack suits and clothing. Stanley and Danko compare the behavior of UAWs (Under Accumulators of Wealth) with PAWs (Prodigious Accumulators of Wealth). They found that UAWs tend to focus on status purchases in order to show off their income, whereas PAWs are much more interested in investing their money in ways that will grow their net worth.</p> <p>Twenty years after the book's initial publication, the revelation that millionaires tend to be frugal, hard-working, and unpretentious may no longer be particularly surprising. However, there is still plenty to learn from this book. For instance, Stanley and Danko describe the roughly 60 hours one UAW spends researching a new car purchase in order to get the best deal, when his time would have been better spent creating wealth or researching an investment that would not depreciate as soon as he drove it off the lot. Hearing that example helped me to realize that I often give more research time to <em>purchases </em>than I do to <em>investments</em>, which is not the best way to grow my wealth.</p> <p>While many of the insights gleaned from <em>The Millionaire Next Door</em> remain valid, it is important to remember that the book is a product of the 1990s. The millionaires interviewed for the book happened to have started investing about 20 years previously, at the beginning of what became the largest bull market in history.</p> <p>But Cotter Smith's narration is engaging and makes the sometimes dry numbers, facts, and figures very easy to listen to.</p> <h2>2. Your Money or Your Life: 9 Steps to Transforming Your Relationship With Money and Achieving Financial Independence</h2> <p>Unlike most of the books on this list, the audiobook version of <a href="http://www.amazon.com/gp/product/1591797306/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591797306&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5VTXCIW5GZIA7UB4">Your Money or Your Life</a> is an abridged adaptation of the classic personal finance book by Joe Dominguez and Vicki Robin. The print version of this book offers a clear step-by-step explanation of how to implement Dominguez's path to financial independence in your own life, while the audiobook offers more of an introduction to the mindset of financial independence. I listened to this audiobook and then purchased the print version to read.</p> <p>That being said, Robin's abridgment is an excellent primer on how to change the way you view money. In particular, the description of finding your <em>enough</em> point, so that you use your money to buy just enough to make you feel fulfilled is a revolutionary concept in our consumer-driven world. Changing your mindset to include the idea of enough makes frugality both freeing and enjoyable, rather than a chore. The audiobook will help you to see that while your choices are limited, you have the ability to choose what matters most to you and live a satisfied and financially independent life.</p> <p>The particular recommendations Robin gives regarding investments &mdash; which were based upon Joe Dominguez's own investing strategy &mdash; are sadly out of date. Thirty-year U.S. treasury bonds, which were the cornerstone investment of both authors' retirements in their 30s, no longer offer a return that could lead to financial independence. However, having the opportunity to change your view of money and spending is well worth the listen, even if the specific nine-step program is no longer feasible as written.</p> <p>Robin's narration is chatty and informal, and you feel like you have had a conversation with a passionate and wise friend.</p> <h2>3. Predictably Irrational: The Hidden Forces That Shape Our Decisions</h2> <p>This audiobook is both surprising and humorous, as it explains why and how human beings cannot be counted upon to act rationally. Dan Ariely, the pre-eminent behavioral economist, conducted all of the rigorous experiments he describes over the 13 chapters of <a href="http://www.amazon.com/gp/product/006145785X/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=006145785X&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=OW2ORXH7TTVYQ5KS">Predictably Irrational</a>. The experiments ranged from the silly to the racy, and included everything from leaving plates of cash alongside six-packs of soda in communal dorm refrigerators &mdash; to prove that individuals are honest about cash but not beverages &mdash; to asking male volunteers moral questions while they were in a state of arousal &mdash; to prove that morals are flexible depending upon our circumstances.</p> <p>While the book does not offer traditional financial advice, it gives insight into why you sometimes make stupid money decisions. With each experimental result, Ariely also offers some guidance on how to avoid the particular logic trap his experiment has illuminated. For instance, Ariely outlines several methods for pre-committing to your choices before temptation strikes, since several of his experiments proved that morality and commitment are dependent upon circumstance.</p> <p>Ariely's amusing writing style paired with esteemed British actor Simon Jones's narration makes this the kind of audiobook you extend your workout to keep listening to.</p> <h2>4. It's Not You, It's the Dishes: How to Minimize Conflict and Maximize Happiness in Your Relationship</h2> <p><a href="http://www.amazon.com/gp/product/B004MOKYOW/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B004MOKYOW&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=FFGP7KDNICCLPCL6">It's Not You, It's the Dishes</a>, written by Paula Szuchman and Jenny Anderson, might seem like a self-help and relationship guide, but it is the most concise and straightforward introduction to the basic principles of economics you'll find.</p> <p>Szuchman and Anderson start with the definition of economics as the study of how people, companies, and societies allocate scarce resources. From there, they provide an excellent introduction to 10 different principles from the field of economics, including comparative advantage, loss aversion, supply and demand, moral hazard, incentives, and trade-offs, among others. In each chapter, they apply one of these economic theories to marital relationships.</p> <p>The stated purpose of the book is to help the listener improve his or her relationship, but I personally found that the detailed and well-written explanation of economic principles, along with the micro-examples of how these principles play out in a marriage, helped me to better understand how all groups handle scarce resources. It also helped me to think about the ways that I make decisions in every sphere of my life.</p> <p>Szuchman and Anderson profile many couples throughout the 10 chapters, and it is likely you will be able to relate to several of the men and women who wish to have a more equitable relationship. The authors also manage to make their insights surprisingly funny. I LOLed several times while listening.</p> <h2>5. The Paradox of Choice: Why More Is Less</h2> <p>We tend to think of options as a good thing, but anyone who has scrolled through the wide array of Netflix streaming options for 30 minutes, only to skip watching a movie altogether, can attest to the paralyzing nature of too many possibilities. In <a href="http://www.amazon.com/gp/product/149151423X/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=149151423X&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=CLIMH6XVOLKWF4KA">The Paradox of Choice</a>, Barry Schwartz explains over 11 chapters why the abundance of choices we face in modern society often leads to unrealistic expectations, second-guessing, paralysis, anxiety, and stress.</p> <p>Schwartz introduces the listener to two types of decision makers: maximizers and satisficers. The maximizers believe that there is a platonic ideal of whatever it is they are looking for out there, and will agonize over any and every decision for fear of having missed out on that ideal. FOMO, essentially. Satisficers, on the other hand, figure out the bare minimum they need to feel satisfied with a decision, and stop looking when they find something that meets the criteria. Guess which type of decision maker tends to be happier?</p> <p>While this title is another one that is not strictly about finance, listening to this audiobook results in a kind of unconscious frugality. That's because Schwartz recommends fighting the paradox of choice by ignoring opportunity costs &mdash; the loss of other options when you choose one particular path &mdash; by making your decisions irreversible. For instance, we all tend to be tempted by &quot;new and improved&quot; because we are afraid of missing out on something by sticking with our old version. But deciding that keeping a product, whether it's a laptop, a car, or an iPhone, until you are actually and truly dissatisfied with it will keep more money in your pocket while helping you feel more satisfied with your choices.</p> <p><em>What money audiobooks are on your playlist? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="http://www.wisebread.com/5-audiobooks-about-money-you-need-to-hear">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-celebrities-with-shockingly-low-net-worths">6 Celebrities With Shockingly Low Net Worths</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">The 8 Classic Personal Finance Books You Must Read</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/book-review-rich-like-them-by-ryan-dagostino">Book Review: Rich Like Them by Ryan D&#039;Agostino</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/and-one-for-the-readers-librivox">And One for the &quot;Readers&quot;: LibriVox</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Entertainment Amazon audible audiobooks books money money audiobooks Wed, 20 Jan 2016 18:00:02 +0000 Emily Guy Birken 1641834 at http://www.wisebread.com The Top 7 Blogs for Entrepreneurs http://www.wisebread.com/the-top-7-blogs-for-entrepreneurs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-top-7-blogs-for-entrepreneurs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_shop_000079380831.jpg" alt="Woman reading best blogs for entrepreneurs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Time is money. Nobody understands that better than U.S entrepreneurs and business owners. When asked on Reddit about the most painful problems they face on a day-to-day basis, most business owners complained about time &mdash; time to meet deadlines at a neck-breaking pace, time to collect payments from clients, time to keep the company books up to date.</p> <p>Still, entrepreneurs and business owners know the importance of keeping up with the latest developments in entrepreneurship and learning from successful business leaders. For those that can't afford sitting down to read an entire book, here are the seven best blogs for entrepreneurs.</p> <h2>1. Seth's Blog</h2> <p>Efficient and effective are the best words to describe the blog posts from marketing expert Seth Godin. He has authored several bestsellers on marketing, such as <a href="http://www.amazon.com/gp/product/0684856360/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0684856360&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WXHTSPV7ZMULTXRA">Permission Marketing</a> and <a href="http://www.amazon.com/gp/product/1591843170/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591843170&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=S77KRX62DUNYSA3C">Purple Cow</a>, and on entrepreneurship, such as <a href="http://www.amazon.com/gp/product/B001FA0LAI/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=B001FA0LAI&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=BZOKCESTJLA7JT2P">Tribes</a> and <a href="http://www.amazon.com/gp/product/1591846072/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591846072&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=OCBV4XHWH3SZU5BX">The Icarus Deception</a>.</p> <p>At <a href="http://sethgodin.typepad.com">Seth's Blog</a>, you can find tips on many business topics, including how to create additional revenue streams from freelancing, why it's important to maintain high quality at all times, and how to purchase advertising. Most of Godin's posts take less than five minutes to read, but they are guaranteed to get you thinking about key issues in entrepreneurship.</p> <h2>2. Occam's Razor</h2> <p>In his book <a href="http://www.amazon.com/gp/product/0470130652/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0470130652&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XBJ67YJCGANGKXDI">Web Analytics: An Hour a Day</a>, Avinash Kaushik provides a step-by-step guide on successful web analytics strategy for your business website. And as search engines tweak their search algorithms on a rolling basis and emerging social media companies rule the Internet, some data and processes require constant revision.</p> <p>At the <a href="http://www.kaushik.net">Occam's Razor blog</a>, Kaushik provides analysis of important web analytics and digital marketing topics for entrepreneurs, such as how to use social media as a business. Unlike other bloggers, Kaushik backs up all his claims with actual data (he's a self-professed &quot;web analytics ninja,&quot; after all!), utilizes plenty of screenshots (particularly useful for users of Google Analytics), and provides actionable takeaways. (See also:&nbsp;<a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging">5 Easy Ways to Make Extra Money Blogging</a>)</p> <h2>3. Guy Kawasaki's Blog</h2> <p>Known as the father of evangelism marketing for his work with Apple in the early '80s, Guy Kawasaki is a prolific businessman and author. With 1.69 million followers on LinkedIn and 1.46 million followers on Twitter, Kawasaki is a thought leader in entrepreneurship, marketing, and PR.</p> <p>While <a href="http://guykawasaki.com/blog">Kawasaki's blog</a> skews a bit towards tech startups, his writing is still applicable to other industries. For example, he provides insights on the<a href="http://guykawasaki.com/how-to-launch-and-why-scaling-doesnt-matter/"> importance of scale in business</a>, guidelines on how to <a href="http://guykawasaki.com/the-art-of-the-panel/">excel at a conference panel</a>, and tips for <a href="http://guykawasaki.com/ten-easy-ways-to-make-your-pitch-rock/">making your pitch rock</a>.</p> <h2>4. 500 Hats</h2> <p>A member of the famous &quot;PayPal Mafia&quot; (he was the Director of Marketing at PayPal from 2001 to 2004), Dave McClure is a prominent entrepreneur and angel investor. McClure knows his stuff and helps run a fund that makes investments ranging from $50,000 to $500,000 in startups. At his blog <a href="https://500hats.com/">500 Hats</a> (one of the most-read blogs by venture capitalists, according to the Wall Street Journal), he provides an inside view into the world of venture capitalism and angel investing.</p> <p>For those looking to launch or optimize their startup, developing a good understanding of what investors are looking for in a startup is essential for survival. Startup owners can learn what makes investors tick at McClure's current and previous blog (<a href="http://500hats.typepad.com">Master of 500 Hats</a>).</p> <h2>5. Gary Vaynerchuk's Blog</h2> <p>Owners of family businesses will find <a href="http://www.garyvaynerchuk.com/blog/">Gary Vaynerchuk</a> to be an inspiration. In just five years, he took his family wine business from a respectable $3 million revenue operation to a $60 million revenue powerhouse.</p> <p>Vaynerchuk is a big fan of no-nonsense advice and his blog is proof of that. Every single one of his posts provides an estimate of how long it will take you to read it (most reads are under four minutes). In addition of his blog, check out his <a href="https://www.youtube.com/playlist?list=PLfA33-E9P7FC0AoARnMLvgFgESJe4_Ngs">#AskGaryVeeShow</a> on YouTube in which he answers questions about marketing, social media, and entrepreneurship submitted via Twitter.</p> <h2>6. Kabbage Small Business Blog</h2> <p>When you're a small business owner, you have a lot of questions. A great place for finding the answer to many of those questions is the Kabbage <a href="http://www.kabbage.com/blog/">Small Business Blog</a>. <em>(Disclaimer: Until December 2015, I contributed to this blog.)</em> What makes this blog stand out from others is that it caters to minority small business owners, offering advice on finding funding options and providing success stories from peers.</p> <p>From determining when you have enough money to <a href="https://www.kabbage.com/blog/do-you-have-enough-money-to-hire-your-first-employee/">hire your first employee</a>, to how to <a href="https://www.kabbage.com/blog/webinar/3-steps-to-improve-your-business-credit-report-establish-build-monitor/">improve your business credit score</a>, to where to find <a href="http://www.kabbage.com/blog/11-grants-for-women-owned-businesses-you-need-to-know-about/">grants for women-owned businesses</a>, the Small Business Blog covers a wide variety of topics relevant to small business owners of all backgrounds.</p> <h2>7. Brian Solis</h2> <p>A digital analyst, anthropologist, and futurist, Brian Solis keeps an eye on the latest technological developments and their effects on business and marketing. Solis constantly seeks ways that businesses can leverage technology to improve the customer experience.</p> <p>On the <a href="http://www.briansolis.com/#">Brian Solis blog</a>, you will find tips on how to deliver a better customer service experience, such as to stop <a href="http://www.briansolis.com/2015/02/deliver-great-customer-experience-stop-focusing-customer/">making unsupported assumptions</a> about your customers and to deliver a <a href="http://www.briansolis.com/2015/07/creating-truly-personal-omni-channel-customer-experiences-2/">consistent customer experience</a> across all channels. This is key because, after all, without customers you won't have a business.</p> <p><em>What are your favorite blogs on entrepreneurship?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-top-7-blogs-for-entrepreneurs&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%2520Top%25207%2520Blogs%2520for%2520Entrepreneurs.jpg&amp;description=The%20Top%207%20Blogs%20for%20Entrepreneurs"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20Top%207%20Blogs%20for%20Entrepreneurs.jpg" alt="The Top 7 Blogs for Entrepreneurs" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-top-7-blogs-for-entrepreneurs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-best-books-for-entrepreneurs">The 8 Best Books for Entrepreneurs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-your-taxes-will-change-after-you-start-a-small-business">Here&#039;s How Your Taxes Will Change After You Start a Small Business</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-signs-its-time-to-close-your-business">5 Signs It&#039;s Time to Close Your Business</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-states-to-start-a-new-business-in">4 Best States to Start a New Business In</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship blogs books inspiration small businesses time management Wed, 06 Jan 2016 14:00:04 +0000 Damian Davila 1630354 at http://www.wisebread.com The 8 Best Books for Entrepreneurs http://www.wisebread.com/the-8-best-books-for-entrepreneurs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-best-books-for-entrepreneurs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_books_000047674572.jpg" alt="Woman reading best books for entrepreneurs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>America is truly the land of opportunity.</p> <p>According to a study sponsored by Babson College and Baruch College, the U.S. now has <a href="http://www.inc.com/leigh-buchanan/us-entrepreneurship-reaches-record-highs.html">27 million entrepreneurs</a> (about 14% of the total population). And many of these American entrepreneurs are thriving &mdash; 24% of them expect to employ 20 or more people in the next five years.</p> <p>If you want to learn the ropes of entrepreneurialism, real-life experience is your best bet, but reading on the subject can also provide you with essential insights necessary for success. Whether you're an aspiring entrepreneur eager to become your own boss, or a seasoned business owner seeking to take your startup to the next level, here are the eight best books to help you on your business venture.</p> <h2>1. Four Steps to the Epiphany</h2> <p>Often referred as the father of the Lean Startup revolution, Steve Blank is a seasoned entrepreneur (starting eight high-tech companies over 21 years), entrepreneurship author, and professor (U.C. Berkeley, Stanford University and the Columbia University/Berkeley joint MBA program). In <a href="http://www.amazon.com/gp/product/0989200507/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0989200507&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=JOMQJOOX36JE3RHG">The Four Steps to the Epiphany</a>, Blank explains the practical and proven four-step customer development process, which is key to launching and maintaining a sustainable startup.</p> <h2>2. Web Analytics: An Hour a Day</h2> <p>Don't undermine your business venture by leaving it offline. According to a Google and Ipsos survey of more than 3,800 small businesses, 58% of them <a href="http://www.inc.com/associated-press/small-businesses-have-no-website.html">didn't have a website</a>. But setting up a website is just the first step &mdash; you also need to understand how it performs. For this, you should leverage web analytics, which is the process of using data to assess and improve the effectiveness of a site. Learn from world-renowned analytics expert Avinash Kaushik through his book <a href="http://www.amazon.com/gp/product/0470130652/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0470130652&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=VJ5XWHMCML7YFWJ5">Web Analytics: An Hour a Day</a>. As its name implies, Kaushik's book provides a daily guide to understanding and applying advanced analytics concepts, including SEM/PPC analysis, the power of segmentation, and conversion-rate best practices. Learn to leverage quick-start solutions for all types of sites, such as small business websites, blogs, and digital storefronts.</p> <h2>3. Tribes</h2> <p>In a perfect world, any entrepreneur would want their customers to be as fanatical as Apple's, Disney's, or The Burger Shack's. Marketing expert Seth Godin shows you the key to using the Internet to create your own customer &quot;tribe&quot; in his book <a href="http://www.amazon.com/gp/product/1591842336/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591842336&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=6GTHPVAX5EFP3QG2">Tribes: We Need You to Lead Us</a>. From detailed best practices, you'll learn how to craft your own manifesto, make it easy for your members to connect to you and one another, and track your movement's progress.</p> <h2>4. Zero to One</h2> <p>You may have heard the name of Peter Thiel before. Whether it was as one of the co-founders of PayPal in 1998 or the first outside investor in Facebook (a 10.2% stake acquired in 2004 for $500,000), you know that Thiel means serious business. In his New York Times bestseller <a href="http://www.amazon.com/gp/product/0804139296/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0804139296&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SXVPOOHLWSSE5PB5">Zero to One: Notes on Startups, or How to Build the Future</a>, Thiel outlines unique and practical insights about entrepreneurship, and discusses success in terms of human nature and culture. Along with actionable tips on business strategy, Thiel outlines the seven questions that &quot;every business must answer,&quot; which are key to fine-tuning your entrepreneurial vision.</p> <h2>5. The Art of the Start 2.0</h2> <p>While evangelism marketing is more common nowadays, it wasn't so ubiquitous back in the early 1980s. Many people believe former chief evangelist of Apple, Guy Kawasaki, to be the father of the art &mdash; making customers believe so strongly in a particular product or service, that they freely try to convince others to buy and use it. Kawasaki is well-known for his down-to-earth and down-to-business writing style. In <a href="http://www.amazon.com/gp/product/1591847842/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1591847842&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XUY5MIOFWZH2QXN6">The Art of the Start 2.0: The Time-Tested, Battle-Hardened Guide for Anyone Starting Anything</a>, he provides a detailed marketing and PR blueprint for aspiring entrepreneurs, small-business owners, and not-for-profit leaders.</p> <h2>6. The 4-Hour Workweek</h2> <p>One of the main reasons that individuals venture into entrepreneurship is to achieve a better work-life balance. Tim Ferriss is one of the most vocal advocates of pursuing entrepreneurship to improve your lifestyle. In <a href="http://www.amazon.com/gp/product/0307465357/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0307465357&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=WWH3KS7BLKXNNBB6">The 4-Hour Workweek: Escape 9-5, Live Anywhere, and Join the New Rich</a>, Ferriss teaches techniques for helping entrepreneurs and business owners to produce seemingly superhuman results in minimum time. (See also: <a href="http://www.wisebread.com/11-time-saving-hacks-from-the-worlds-busiest-people?ref=seealso">11 Time Saving Hacks From the World's Busiest People</a>)</p> <h2>7. Start Something That Matters</h2> <p>Besides a better work-life balance, many entrepreneurs start businesses in search of the ideal mix of profit and social good. Founder and Chief Shoe Giver of shoe company TOMS, Blake Mycoskie is the poster boy for a business model that helps people in need with every product purchased. <a href="http://www.amazon.com/gp/product/0812981448/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0812981448&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=5HZ2PCZONDPSBKFT">Start Something That Matters</a> tells the story of the steps Mycoskie took to set up his for-profit company to help children he met in a small village in Argentina, and how he inspires others to start something that positively impacts the world. In his book, he profiles other entrepreneurs doing good, including Lauren Bush (founder of FEED Projects), and Eric Ryan and Adam Lowry (co-founders of method).</p> <h2>8. Delivering Happiness</h2> <p>In <a href="http://www.amazon.com/gp/product/0446576220/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0446576220&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ZPGEBDFFVIUEMYT5">Delivering Happiness: A Path to Profits, Passion, and Purpose</a>, Tony Hsieh, the CEO of Zappos.com Inc, explains how his company went from scrappy shoe online retailer to major player in ecommerce, with over $1 billion in gross merchandise sales every year. Great customer service is key for the survival of any business, and Hsieh makes a strong case of how customer service should be the responsibility of the entire company, not just a department. Given that Zappos consistently ranks among the top companies to work for and was eventually acquired by Amazon in 2009 for a cool $1.2 billion, he is definitely on to something.</p> <p><em>What are your favorite books on entrepreneurship?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-8-best-books-for-entrepreneurs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-top-7-blogs-for-entrepreneurs">The Top 7 Blogs for Entrepreneurs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-your-taxes-will-change-after-you-start-a-small-business">Here&#039;s How Your Taxes Will Change After You Start a Small Business</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-signs-its-time-to-close-your-business">5 Signs It&#039;s Time to Close Your Business</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-states-to-start-a-new-business-in">4 Best States to Start a New Business In</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship advice books inspiration self employed small businesses start ups Mon, 21 Dec 2015 14:00:04 +0000 Damian Davila 1623600 at http://www.wisebread.com Ask the Readers: What Was the Last Book You Read? http://www.wisebread.com/ask-the-readers-what-was-the-last-book-you-read <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-was-the-last-book-you-read" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_book_000047279838.jpg" alt="Woman sharing last book she read" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to <a href="http://www.wisebread.com/ask-the-readers-what-was-the-last-book-you-read#comment-785258">Elena</a>, Amanda, and Kelly for winning this week's contest!</em></p> <p>Reading is a great way to learn new things, activate the imagination, and relax after a long day. And with the popularity of ebooks, it's easier than ever to read wherever you are. However, a recent survey by Pew Research on reading habits in the U.S. found that <a href="http://www.smithsonianmag.com/smart-news/27-percent-american-adults-didnt-read-single-book-last-year-180957029/">27% of adults did not read a single book in the past year</a>.</p> <p><strong>What was the last book you read?</strong> What genres or topics do you enjoy the most? What is your favorite book, and why?</p> <p>Tell us about the last book you read and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win!</p> <h3>Mandatory Entry:</h3> <ul> <li>Post your answer in the comments below. One commenter will be randomly selected to win a $20 Amazon Gift Card!</li> </ul> <h3>For Extra Entries:</h3> <ul> <li>You can tweet about our giveaway for an extra entry. Also, our Facebook fans can get an extra entry too! Use our Rafflecopter widget for your chance to win one of the other two Amazon Gift Cards:</li> </ul> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa216/" rel="nofollow" data-raflid="79857dfa216" data-theme="classic" data-template="" id="rcwidget_hcjvqrr5">a Rafflecopter giveaway</a> </p> <script src="//widget-prime.rafflecopter.com/launch.js"></script></p> <p>If you're inspired to write a whole blog post OR you have a photo on flickr to share, please link to it in the comments or tweet it.</p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, November 9th at 11:59 p.m. Pacific. Winners will be announced after November 9th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>You can enter all three drawings &mdash; once by leaving a comment, once by liking our Facebook update, and once by tweeting.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook.<br /> &nbsp;</li> <li>You must be 18 and US resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong>&nbsp;</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about the last book you read and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/ask-the-readers-what-was-the-last-book-you-read">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-200-giveaway-what-does-corporate-social-responsibility-mean-to-you">Ask the Readers $200 Giveaway: What Does Corporate Social Responsibility Mean to You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-would-you-relocate-for-the-perfect-job-chance-to-win">Ask the Readers: Would You Relocate for the Perfect Job? (Chance to win!)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-how-do-you-care-for-your-pet-affordably">Ask the Readers: How Do You Care For Your Pet Affordably?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ask-the-readers-what-is-your-new-years-resolution">Ask the Readers: What Is Your New Year&#039;s Resolution?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Ask the Readers books reading Tue, 03 Nov 2015 15:16:27 +0000 Ashley Jacobs 1602907 at http://www.wisebread.com 8 More Classic Personal Finance Books You Must Read http://www.wisebread.com/8-more-classic-personal-finance-books-you-must-read <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-more-classic-personal-finance-books-you-must-read" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_reading_book_000067177103.jpg" alt="Woman reading more classic financial books worth reading" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A surprising 21% of Americans think that <a href="http://www.consumerfed.org/pdfs/Financial_Planners_Study011006.pdf">winning the lottery</a> is the most practical way to accumulate several hundred thousands of dollars. The problem with this financial plan is that the odds are against you. You're more likely to be <a href="http://natgeotv.com/ca/human-shark-bait/facts">killed by a shark</a> (one in 3.7 million chance) than <a href="http://www.megamillions.com/how-to-play">hitting the jackpot</a> of the Mega Millions (one in 259 million chance).</p> <p>The key to financial stability is learning the essential concepts and skills necessary to make smart choices. To help you steer in the right direction, here are eight more classic personal finance books that are still worth reading. (See also: <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read?ref=seealso">The 8 Classic Personal Finance Books You Must Read</a>)</p> <h2>1. The Great Crash</h2> <p>&quot;The four most dangerous words in investing are 'This time it's different.'&quot; This is not only one of the <a href="http://www.wisebread.com/14-of-the-coolest-sayings-about-investing">coolest sayings about investing</a>, but also one that stands the test of time. First published in 1954, John Kenneth Galbraith's <a href="http://www.amazon.com/Great-Crash-1929-Kenneth-Galbraith/dp/0547248164">The Great Crash 1929</a> provides a great review of the rampant speculation and record trading volume of the stock market in the 1920s, leading to the Wall Street crash of 1929.</p> <p>You could easily swap the dates and numbers of <em>The Great Crash</em> and describe about any other market bubble, be it the Black Monday of 1987 or the dot-com bubble of 2000. Learn the signs of an economic bubble so that when somebody promises you a quick-rich investing scheme, you can reply with a quick &quot;no.&quot;</p> <h2>2. Total Money Makeover</h2> <p>You may know Dave Ramsey from his popular radio show, <a href="http://www.daveramsey.com/show/about">The Dave Ramsey Show</a>, touching on life's tough money questions. Whether you're already a fan or haven't ever heard from him, you should read his 2003 book, <a href="http://www.amazon.com/gp/product/1595555277/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1595555277&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=7FQMKFMJWBEUKQWW">The Total Money Makeover: A Proven Plan for Financial Fitness</a>, which is a complete guide for financial prosperity.</p> <p>The main appeal of <em>The Total Money Makeover</em> is its down-to-earth and down-to-business approach to managing your finances. Those struggling with debt or finding it difficult to build an emergency fund can find step-by-step guides, often including worksheet templates to track progress.</p> <h2>3. One Up on Wall Street</h2> <p>Superstar investor Peter Lynch seems to be able to do it all. He turned $18 million in assets into more than $14 billion, personally hired some of the <a href="http://www.wisebread.com/the-5-most-successful-investors-youve-never-heard-of">most successful investors</a> you've never heard of, and penned several bestsellers.</p> <p>Written in 1989, <a href="http://www.amazon.com/gp/product/0743200403/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0743200403&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=XNOKLP3YBK6JWN35">One Up on Wall Street: How to Use What You Already Know to Make Money in the Market</a> is a great guide on how to spot investment opportunities. Lynch offers easy-to-follow advice on how to review a company's financial statements and what numbers to focus on. A major draw to this book is Lynch's guidelines on how to find a &quot;tenbagger&quot; (Wall Street slang for a stock that makes you ten times your money).</p> <h2>4. Common Stocks and Uncommon Profits</h2> <p>There are very few investors with <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett">better returns than Warren Buffett</a>. However, the Oracle of Omaha is well known for giving credit where credit is due. He credits 85% of his investment philosophy to Ben Graham and the remaining 15% to Phil Fisher. &quot;I am an eager reader of whatever Phil has to say, and I recommend him to you,&quot; said Buffett about Fisher's work.</p> <p>First published in 1958, Fisher's <a href="http://www.amazon.com/gp/product/047111927X/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=047111927X&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=BY2SUV5A4VCCVJUD">Common Stocks and Uncommon Profits</a> was the first investment book to become a New York Times bestseller. The growth stock investing advice of <em>Common Stocks and Uncommon Profits</em> is as relevant today as it was back in 1958. Just ask Buffett.</p> <h2>5. A Random Walk Down Wall Street</h2> <p>Ask any group of money experts about their top 10 list of financial books and you're bound to run into Burton G. Malkiel's <a href="http://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393246116/ref=asap_bc?ie=UTF8">A Random Walk Down Wall Street: The Time-Tested Strategy for Successful Investing</a> often.</p> <p>First published in 1973, <em>A Random Walk Down Wall Street </em>is a great primer for novice investors to understand their full range of investment opportunities when starting a portfolio. While some stock-picking pros may disagree with Malkiel's random walk theory (the idea that stocks take a random and unpredictable path), the empirical evidence shows that only 20% to 35% of active fund managers <a href="http://www.spindices.com/documents/spiva/spiva-us-mid-year-2014.pdf">beat the benchmark</a> for their category. This fact is why <em>A Random Walk Down Wall Street </em>is still relevant today.</p> <h2>6. The Millionaire Next Door</h2> <p>Just like Napoleon Hill was trying to figure out &quot;what makes a winner?&quot; back in 1937 in <a href="http://www.amazon.com/gp/product/1604591870/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1604591870&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=JQSCWBG5Q6LHQISW">Think and Grow Rich</a> (included in my other list of <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">classic personal finance books</a> you must read), Thomas J. Stanley and William D. Danko were trying to find out &quot;What makes a millionaire?&quot; in <a href="http://www.amazon.com/gp/product/1589795474/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1589795474&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=54FXJVDDF5BMMUOB">The Millionaire Next Door: The Surprising Secrets of America's Wealthy</a> in 1996.</p> <p>Through their 20-year study of wealthy individuals and their habits, Stanley and Danko were able to identify the seven common traits that show up again and again among those who have accumulated wealth. Those traits can give anybody a much needed wake-up call on how to run his or her finances!</p> <h2>7. The Four Pillars of Investing</h2> <p>&quot;A TRIUMPH! Bill Bernstein's new book offers sound principles, unvarnished history, and unmatched understanding of the process of successful investing. It is my candidate for the best investment book of 2002.&quot; This was praise from John C. Bogle about <a href="http://www.amazon.com/gp/product/0071747052/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0071747052&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=PY2SGWV5SC26KZGU">The Four Pillars of Investing: Lessons for Building a Winning Portfolio</a>.</p> <p>What's good for the founder and retired CEO of The Vanguard Group should be good for you as well. In this book, author William Bernstein lays down a commonsense investor's guide built on four pillars: the relationship of risk and reward, the history of the market, the psychology of the investor and the market, and the folly of taking financial advice from investment salespeople.</p> <h2>8. The General Theory of Employment, Interest, and Money</h2> <p>There are very few books, such as <a href="http://www.amazon.com/gp/product/0156347113/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0156347113&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=PTUS3Y5EZYOO4YBY">The General Theory of Employment, Interest, and Money</a> from John Maynard Keynes, that have influenced so much economic and fiscal policy around the globe.</p> <p>Even today, Lord Keynes' ideas are relevant when discussing economic events. Whether you're planning to vote Republican or Democrat in this upcoming election, there is a good chance that some of the economic advisors of your candidate are <a href="http://www.bloomberg.com/bw/articles/2014-10-30/why-john-maynard-keyness-theories-can-fix-the-world-economy">influenced by Keynes</a>. While <em>The General Theory of Employment, Interest, and Money</em> can be a book hard to digest, it provides good insight into what your candidate is planning to do in times of booms and recessions. Also, this book increases your understanding of foreign government policies, which are important for assessing risk of investments abroad.</p> <p>To avoid missing the best parts, just make sure to look for editions that include the footnotes.</p> <p><em>What are your favorite classic personal finance books?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/8-more-classic-personal-finance-books-you-must-read">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">The 8 Classic Personal Finance Books You Must Read</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-only-money-advice-youll-actually-listen-to">The Only Money Advice You&#039;ll Actually Listen To</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-sure-you-get-paid-and-4-other-great-tips-from-famous-commencement-speakers">Make Sure You Get Paid and 4 Other Great Tips From Famous Commencement Speakers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/create-a-reverse-bucket-list-to-improve-your-money-management">Create a Reverse Bucket List to Improve Your Money Management</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-beloved-books-of-successful-millionaires">10 Beloved Books of Successful Millionaires</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance advice books money experts reading Mon, 19 Oct 2015 13:15:13 +0000 Damian Davila 1593621 at http://www.wisebread.com The 8 Classic Personal Finance Books You Must Read http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-classic-personal-finance-books-you-must-read" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/piggy_bank_with_books_000060861670.jpg" alt="Classic personal finance books you must read" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money conscious readers from all generations should brush up on their personal finance knowledge by adding some books on the subject to their summer reading list. Given that only 24% of Millennials are able to correctly answer four or five questions on five-question <a href="https://www.finra.org/sites/default/files/14_0100%201_IEF_Research%20Report_CEA_3%206%2014%20%28FINAL%29_0_0.pdf">financial literacy quiz</a>, they should especially make an extra effort to pick up personal finance books more often.</p> <p>Here are eight classic personal finance books that are still worth reading.</p> <h2>1. Rich Dad, Poor Dad</h2> <p>In 1999, personal finance author, Robert Kiyosaki self-published <a href="http://www.amazon.com/gp/product/1612680011/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1612680011&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=NPDRUSEI6ILRUE7S">Rich Dad, Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!</a>, which eventually became a New York Times bestseller. The central premise of his book is the comparison between his biological father, a hard-working yet financially struggling individual, and his best friend's father, a rich man with a series of savvy investments.</p> <p>One of the main takeaways of <em>Rich Dad, Poor Dad</em> is the importance of developing entrepreneurship and financial aptitude to become financially independent. To achieve great wealth, Robert argues that you should look for passive and portfolio income instead of a traditional salary.</p> <h2>2. You've Earned It, Don't Lose It</h2> <p>Before her long string of bestsellers, such as <a href="http://www.amazon.com/gp/product/1594482241/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1594482241&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=R3AG77FISJ2GG7AA">The Money Book for the Young, Fabulous &amp; Broke</a>, Suze Orman started it all with <a href="http://www.amazon.com/gp/product/1557043167/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1557043167&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=2AZ6TRE3BTMZOLOO">You've Earned It, Don't Lose It: Mistakes You Can't Afford to Make When You Retire</a>, first published in 1995.</p> <p>The main appeal of Orman's first book is the simplicity of her eight-step process to successful retirement. For example, in step two, Orman discusses how to plan for early retirement while avoiding penalties for withdrawals. For each one of her steps she provides specific instructions and resources for more information. (See also: <a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-suze-orman?ref=seealso">The 5 Best Pieces of Financial Wisdom From Suze Orman</a>)</p> <h2>3. The Wealthy Barber</h2> <p>Published in 1989, <a href="http://www.amazon.com/gp/product/0761513116/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0761513116&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=ECNKPUQ65QETQ4X6">The Wealthy Barber: Everyone's Commonsense Guide to Becoming Financially Independent</a> provides down-to-earth financial planning with a large dose of humor via Roy the barber, a fictional character created by the book's author David Chilton.</p> <p><em>The Wealthy Barber</em> teaches you good personal financial habits, such as paying off credit card balances every month and building an emergency fund with unexpected windfalls, that never go out of style. David stresses that you should be wary of get-rich-quick schemes and, instead, focus on long-term wealth building strategies.</p> <h2>4. Think and Grow Rich</h2> <p>Known as the &quot;Granddaddy of All Motivational Literature,&quot; Napoleon Hill was trying to figure &quot;What makes a winner?&quot; back in 1937. He found the answer by interviewing a long list of well-known successful and wealthy individuals, such as Henry Ford, Thomas Edison, John D. Rockefeller, and Charles M. Schwab, and putting it all together in <a href="http://www.amazon.com/gp/product/1604591870/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=1604591870&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=25EA3QYCKA2ANUVG">Think and Grow Rich</a>.</p> <p>Based on his research, Napoleon put together the timeless Thirteen Steps to Riches philosophy on individual achievement. <em>Think and Grow Rich</em> doubles as great motivational book for aspiring entrepreneurs. &quot;You are the master of your destiny. You can influence, direct and control your own environment. You can make your life what you want it to be,&quot; encourages Napoleon.</p> <h2>5. The Richest Man in Babylon</h2> <p>Now here is a blast a from the past: George Clason's 1926 classic on personal finance, <a href="http://www.amazon.com/gp/product/0451205367/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0451205367&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=SW5PZF4COPMYRQS3">The Richest Man in Babylon</a> uses parables set in ancient Babylon to teach modern investors a thing or two about their finances.</p> <p>Several of George's lessons have been adapted by current financial advisors and investors. For example, <em>The Richest Man in Babylon's</em> &quot;Start thy purse to fattening&quot; has been adapted to &quot;<a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-warren-buffett">pay yourself first</a>&quot; by Warren Buffett. Both the Oracle of Omaha and George Clason agree in that you don't save what is left after spending, you spend what is left after saving.</p> <h2>6. How to Win Friends &amp; Influence People</h2> <p>Since 1936, Dale Carnegie's classic has been passed on from generation to generation. My wife received this book from one of her architecture mentors, as did I from one of my business professors in college.</p> <p>More and more employers are looking not only for great academic or professional credentials but also for good personality traits. Professionalism, high-energy, and confidence are the top three personal traits employers hire most. <a href="http://www.amazon.com/gp/product/0671027034/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0671027034&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=4BU5IJPM5RM4MO5I">How to Win Friends &amp; Influence People</a> provides you useful techniques to develop these and other personal traits that make you more appealing to potential employers.</p> <h2>7. The Intelligent Investor</h2> <p>Warren Buffett is very public about his admiration for Benjamin Graham's <a href="http://www.amazon.com/gp/product/0060555661/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0060555661&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=AJ3A3CUHJLT7KL37">The Intelligent Investor: The Definitive Book on Value Investing</a>. Since its original publication in 1949, <em>The Intelligent Investor</em> has been a bible for value investors, who believe that &quot;Mr. Market is your servant, not your master.&quot;</p> <p>Be aware that Benjamin's classic doesn't provide techniques to pick &quot;hot stocks,&quot; instead it teaches you how to use discipline, research, and analytical ability to make sound investments in bargains relative to current asset value. This is a must-read for any investor regardless of their level expertise. You can take Mr. Buffett's word for it &mdash; he says it's &quot;by far the best book on investing ever written.&quot;</p> <h2>8. Beating the Street</h2> <p>There are very few investors that can give Warren Buffett a run for his money. One of them is the legendary ex-manager of Fidelity's Magellan Fund, Peter Lynch. (See also: <a href="http://www.wisebread.com/5-investors-with-better-returns-than-warren-buffett?ref=seealso">5 Investors With Better Returns Than Warren Buffett</a>)</p> <p>What makes Peter Lynch a great investor is not only his ability to run a large actively managed fund but also his talent to provide great investment advice in layman's terms. In 1993's <a href="http://www.amazon.com/gp/product/0671891634/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0671891634&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=EWGRFHY3UWDJ6WOA">Beating The Street</a>, Peter penned some of the most famous investment mantras, including &quot;Never invest in any idea you can't illustrate with a crayon&quot; and &quot;Gentlemen who prefer bonds don't know what they're missing.&quot;</p> <p><em>What are other classic personal finance books still worth reading?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-8-classic-personal-finance-books-you-must-read">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-more-classic-personal-finance-books-you-must-read">8 More Classic Personal Finance Books You Must Read</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-warren-buffett">The 5 Best Pieces of Financial Wisdom From Warren Buffett</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-audiobooks-about-money-you-need-to-hear">5 Audiobooks About Money You Need to Hear</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance advice books money reading Wed, 22 Jul 2015 13:15:15 +0000 Damian Davila 1493674 at http://www.wisebread.com